Restore Exhausted Sum Insured with HDFC Health Suraksha Regain

Uncertainties and unfortunate events in form of illnesses, injuries or accidents can catch you off guard and unprepared.

The cost of medical treatments and recuperating only add pain to the injury by draining away your savings.

And hospitalization for medical treatment costs a lot more these days than what they did a decade ago.Even a routine surgical procedure can easily cost up to a hundred thousand rupees.

With ever-rising healthcare and hospitalization costs, exhausting the entire Sum Insured on your Health Insurance policy in a single incidence of hospitalization is very much possible today.

While medical emergencies do not strike frequently to most people, one cannot afford not to have a Health Insurance in India today. In fact, most of us have some or the other type of Health Insurance on us, almost by default.

We have a Health Insurance through our employers, through our communities or we can have a Health Insurance simply on our own.

We have a number of variants within Health Insurance products that cover our families as well as our extended families.

Despite a sustained rise in the medical inflation, the average ticket size of the Health Insurance policies has not kept up the pace, which is still around Rs 2-3lakh in India.

This can cover a hospitalization cost of a small illness. But this may not be realistic enough to cover a major condition such as, say, a cardiac arrest.

By design, basic Health Insurance products have an annual limit on Sum Insured, which means that a policyholder cannot claim more than the Sum Insured from his or her Health Insurance policy during a policy year.

With medical treatment getting expensive every year, a Sum Insured of Rs 2 lakh can get fully exhausted in a single or couple of catastrophic losses in the policy year.

Imagine a situation if one needs to get hospitalized after exhausting the entire sum insured during the same policy year.

HDFC ERGO General Insurance Company understands the changing dynamics of Indian healthcare market and your needs of a secure and healthy future that guarantees coverage in case of medical emergencies while befitting your budget well.

In our continued endeavor to provide the most comprehensive forms of protection, we have introduced a plan that takes care of your rising Health Insurance requirements.

Our new Health Suraksha Regain and enhanced cumulative bonus Plan acts as your companion in emergencies and provides a comprehensive medical insurance plan that offers coverage for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses.

With HDFC ERGO Health Suraksha Regain plan, you can avail the additional benefits of automatic restoration of sum insured if the basic policy’s sum insuredalong with cumulative bonusis exhausted during a policy year.

Under this plan, if the basic Sum Insured along with cumulative bonus is exhausted due to claims made and paid during the policy year, then a Regain Sum Insured (equal to 100% of the basic sum insured) is automatically available for the particular policy year.

The best part of the Health SurakshaRegain benefit is that the entire amount is restored automatically without any additional paperwork.

The Regain benefit can be availed by paying just 5% additional premium to the basic Health Suraksha policy at the time of purchase.